$20,000 Savings Calculator - Future Value

Initial Deposit

$

Yearly Deposits

$

Investment Return

%

Years

years

Future Value

Total Invested

Use this calculator to calculate the return of a savings bond or investment. It can be used to calculate any investment, such as a home, stock, baseball card, Roth IRA, 401k, ETF, mutual fund, etc. Assumes a fixed interest rate.

Investment: Amount of investment.

Interest Rate: Rate of return on the investment.

Years: Time period, in years.

What is the future value of your investment or savings bond?

Value of $20,000 by year, depending on ROI. Annual interest compounding is used.

Year

1%

3%

5%

7%

9%

11%

13%

15%

0

20,000.00

20,000.00

20,000.00

20,000.00

20,000.00

20,000.00

20,000.00

20,000.00

1

20,200.00

20,600.00

21,000.00

21,400.00

21,800.00

22,200.00

22,600.00

23,000.00

2

20,402.00

21,218.00

22,050.00

22,898.00

23,762.00

24,642.00

25,538.00

26,450.00

3

20,606.02

21,854.54

23,152.50

24,500.86

25,900.58

27,352.62

28,857.94

30,417.50

4

20,812.08

22,510.18

24,310.13

26,215.92

28,231.63

30,361.41

32,609.47

34,980.13

5

21,020.20

23,185.48

25,525.63

28,051.03

30,772.48

33,701.16

36,848.70

40,227.14

6

21,230.40

23,881.05

26,801.91

30,014.61

33,542.00

37,408.29

41,639.04

46,261.22

7

21,442.71

24,597.48

28,142.01

32,115.63

36,560.78

41,523.20

47,052.11

53,200.40

8

21,657.13

25,335.40

29,549.11

34,363.72

39,851.25

46,090.76

53,168.88

61,180.46

9

21,873.71

26,095.46

31,026.56

36,769.18

43,437.87

51,160.74

60,080.84

70,357.53

10

22,092.44

26,878.33

32,577.89

39,343.03

47,347.27

56,788.42

67,891.35

80,911.15

11

22,313.37

27,684.68

34,206.79

42,097.04

51,608.53

63,035.15

76,717.22

93,047.83

12

22,536.50

28,515.22

35,917.13

45,043.83

56,253.30

69,969.01

86,690.46

107,005.00

13

22,761.87

29,370.67

37,712.98

48,196.90

61,316.09

77,665.60

97,960.22

123,055.75

14

22,989.48

30,251.79

39,598.63

51,570.68

66,834.54

86,208.82

110,695.05

141,514.12

15

23,219.38

31,159.35

41,578.56

55,180.63

72,849.65

95,691.79

125,085.41

162,741.23

16

23,451.57

32,094.13

43,657.49

59,043.27

79,406.12

106,217.89

141,346.51

187,152.42

17

23,686.09

33,056.95

45,840.37

63,176.30

86,552.67

117,901.85

159,721.56

215,225.28

18

23,922.95

34,048.66

48,132.38

67,598.65

94,342.41

130,871.06

180,485.36

247,509.07

19

24,162.18

35,070.12

50,539.00

72,330.55

102,833.23

145,266.87

203,948.46

284,635.43

20

24,403.80

36,122.22

53,065.95

77,393.69

112,088.22

161,246.23

230,461.76

327,330.75

21

24,647.84

37,205.89

55,719.25

82,811.25

122,176.15

178,983.32

260,421.78

376,430.36

22

24,894.32

38,322.07

58,505.21

88,608.03

133,172.01

198,671.48

294,276.62

432,894.91

23

25,143.26

39,471.73

61,430.48

94,810.60

145,157.49

220,525.34

332,532.58

497,829.15

24

25,394.69

40,655.88

64,502.00

101,447.34

158,221.66

244,783.13

375,761.81

572,503.52

25

25,648.64

41,875.56

67,727.10

108,548.65

172,461.61

271,709.28

424,610.85

658,379.05

26

25,905.13

43,131.83

71,113.45

116,147.06

187,983.16

301,597.30

479,810.26

757,135.91

27

26,164.18

44,425.78

74,669.13

124,277.35

204,901.64

334,773.00

542,185.59

870,706.30

28

26,425.82

45,758.55

78,402.58

132,976.77

223,342.79

371,598.03

612,669.72

1,001,312.24

29

26,690.08

47,131.31

82,322.71

142,285.14

243,443.64

412,473.81

692,316.78

1,151,509.08

30

26,956.98

48,545.25

86,438.85

152,245.10

265,353.57

457,845.93

782,317.96

1,324,235.44

31

27,226.55

50,001.61

90,760.79

162,902.26

289,235.39

508,208.98

884,019.29

1,522,870.76

32

27,498.81

51,501.66

95,298.83

174,305.42

315,266.58

564,111.97

998,941.80

1,751,301.37

33

27,773.80

53,046.70

100,063.77

186,506.80

343,640.57

626,164.29

1,128,804.24

2,013,996.57

34

28,051.54

54,638.11

105,066.96

199,562.27

374,568.22

695,042.36

1,275,548.79

2,316,096.06

35

28,332.06

56,277.25

110,320.31

213,531.63

408,279.36

771,497.02

1,441,370.13

2,663,510.47

36

28,615.38

57,965.57

115,836.32

228,478.84

445,024.50

856,361.69

1,628,748.25

3,063,037.04

37

28,901.53

59,704.53

121,628.14

244,472.36

485,076.71

950,561.48

1,840,485.52

3,522,492.59

38

29,190.54

61,495.67

127,709.55

261,585.43

528,733.61

1,055,123.24

2,079,748.64

4,050,866.48

39

29,482.45

63,340.54

134,095.02

279,896.41

576,319.63

1,171,186.80

2,350,115.96

4,658,496.46

40

29,777.27

65,240.76

140,799.77

299,489.16

628,188.40

1,300,017.35

2,655,631.03

5,357,270.92

41

30,075.05

67,197.98

147,839.76

320,453.40

684,725.36

1,443,019.25

3,000,863.07

6,160,861.56

42

30,375.80

69,213.92

155,231.75

342,885.14

746,350.64

1,601,751.37

3,390,975.27

7,084,990.80

43

30,679.56

71,290.34

162,993.34

366,887.10

813,522.20

1,777,944.02

3,831,802.05

8,147,739.42

44

30,986.35

73,429.05

171,143.01

392,569.19

886,739.19

1,973,517.87

4,329,936.32

9,369,900.33

45

31,296.21

75,631.92

179,700.16

420,049.04

966,545.72

2,190,604.83

4,892,828.04

10,775,385.38

46

31,609.18

77,900.87

188,685.16

449,452.47

1,053,534.84

2,431,571.36

5,528,895.68

12,391,693.19

47

31,925.27

80,237.90

198,119.42

480,914.14

1,148,352.97

2,699,044.21

6,247,652.12

14,250,447.16

48

32,244.52

82,645.04

208,025.39

514,578.13

1,251,704.74

2,995,939.08

7,059,846.90

16,388,014.24

49

32,566.97

85,124.39

218,426.66

550,598.60

1,364,358.17

3,325,492.37

7,977,626.99

18,846,216.38

50

32,892.64

87,678.12

229,348.00

589,140.50

1,487,150.40

3,691,296.53

9,014,718.50

21,673,148.83

51

33,221.56

90,308.46

240,815.40

630,380.34

1,620,993.94

4,097,339.15

10,186,631.91

24,924,121.16

52

33,553.78

93,017.72

252,856.17

674,506.96

1,766,883.39

4,548,046.46

11,510,894.06

28,662,739.33

53

33,889.32

95,808.25

265,498.97

721,722.45

1,925,902.90

5,048,331.57

13,007,310.28

32,962,150.23

54

34,228.21

98,682.50

278,773.92

772,243.02

2,099,234.16

5,603,648.04

14,698,260.62

37,906,472.76

55

34,570.49

101,642.97

292,712.62

826,300.03

2,288,165.23

6,220,049.33

16,609,034.50

43,592,443.68

56

34,916.20

104,692.26

307,348.25

884,141.03

2,494,100.10

6,904,254.76

18,768,208.99

50,131,310.23

57

35,265.36

107,833.03

322,715.66

946,030.90

2,718,569.11

7,663,722.78

21,208,076.16

57,651,006.76

58

35,618.01

111,068.02

338,851.44

1,012,253.07

2,963,240.33

8,506,732.28

23,965,126.06

66,298,657.78

59

35,974.19

114,400.06

355,794.02

1,083,110.78

3,229,931.96

9,442,472.83

27,080,592.44

76,243,456.45

60

36,333.93

117,832.06

373,583.72

1,158,928.54

3,520,625.84

10,481,144.85

30,601,069.46

87,679,974.91

61

36,697.27

121,367.02

392,262.90

1,240,053.53

3,837,482.16

11,634,070.78

34,579,208.49

100,831,971.15

62

37,064.25

125,008.03

411,876.05

1,326,857.28

4,182,855.56

12,913,818.57

39,074,505.59

115,956,766.82

63

37,434.89

128,758.28

432,469.85

1,419,737.29

4,559,312.56

14,334,338.61

44,154,191.32

133,350,281.85

64

37,809.24

132,621.02

454,093.34

1,519,118.90

4,969,650.69

15,911,115.85

49,894,236.19

153,352,824.12

65

38,187.33

136,599.65

476,798.01

1,625,457.22

5,416,919.25

17,661,338.60

56,380,486.90

176,355,747.74

66

38,569.20

140,697.64

500,637.91

1,739,239.23

5,904,441.99

19,604,085.84

63,709,950.19

202,809,109.90

67

38,954.90

144,918.57

525,669.81

1,860,985.98

6,435,841.76

21,760,535.29

71,992,243.72

233,230,476.39

68

39,344.44

149,266.13

551,953.30

1,991,255.00

7,015,067.52

24,154,194.17

81,351,235.40

268,215,047.85

69

39,737.89

153,744.11

579,550.96

2,130,642.84

7,646,423.60

26,811,155.53

91,926,896.01

308,447,305.02

70

40,135.27

158,356.44

608,528.51

2,279,787.84

8,334,601.72

29,760,382.64

103,877,392.49

354,714,400.78

71

40,536.62

163,107.13

638,954.94

2,439,372.99

9,084,715.88

33,034,024.73

117,381,453.51

407,921,560.89

72

40,941.99

168,000.35

670,902.68

2,610,129.10

9,902,340.31

36,667,767.45

132,641,042.47

469,109,795.03

73

41,351.41

173,040.36

704,447.82

2,792,838.14

10,793,550.94

40,701,221.86

149,884,377.99

539,476,264.28

74

41,764.92

178,231.57

739,670.21

2,988,336.81

11,764,970.52

45,178,356.27

169,369,347.12

620,397,703.92

75

42,182.57

183,578.51

776,653.72

3,197,520.39

12,823,817.87

50,147,975.46

191,387,362.25

713,457,359.51

76

42,604.40

189,085.87

815,486.40

3,421,346.81

13,977,961.47

55,664,252.76

216,267,719.34

820,475,963.44

77

43,030.44

194,758.44

856,260.72

3,660,841.09

15,235,978.01

61,787,320.56

244,382,522.86

943,547,357.95

78

43,460.74

200,601.20

899,073.76

3,917,099.97

16,607,216.03

68,583,925.83

276,152,250.83

1,085,079,461.65

79

43,895.35

206,619.23

944,027.45

4,191,296.96

18,101,865.47

76,128,157.67

312,052,043.44

1,247,841,380.89

80

44,334.30

212,817.81

991,228.82

4,484,687.75

19,731,033.36

84,502,255.01

352,618,809.08

1,435,017,588.03

81

44,777.65

219,202.35

1,040,790.26

4,798,615.89

21,506,826.37

93,797,503.06

398,459,254.27

1,650,270,226.23

82

45,225.42

225,778.42

1,092,829.78

5,134,519.01

23,442,440.74

104,115,228.40

450,258,957.32

1,897,810,760.17

83

45,677.68

232,551.77

1,147,471.26

5,493,935.34

25,552,260.40

115,567,903.52

508,792,621.77

2,182,482,374.19

84

46,134.45

239,528.32

1,204,844.83

5,878,510.81

27,851,963.84

128,280,372.91

574,935,662.60

2,509,854,730.32

85

46,595.80

246,714.17

1,265,087.07

6,290,006.57

30,358,640.59

142,391,213.93

649,677,298.74

2,886,332,939.87

86

47,061.76

254,115.60

1,328,341.42

6,730,307.03

33,090,918.24

158,054,247.46

734,135,347.58

3,319,282,880.85

87

47,532.37

261,739.06

1,394,758.49

7,201,428.52

36,069,100.88

175,440,214.68

829,572,942.76

3,817,175,312.98

88

48,007.70

269,591.24

1,464,496.42

7,705,528.52

39,315,319.96

194,738,638.30

937,417,425.32

4,389,751,609.93

89

48,487.78

277,678.97

1,537,721.24

8,244,915.51

42,853,698.76

216,159,888.51

1,059,281,690.61

5,048,214,351.41

90

48,972.65

286,009.34

1,614,607.30

8,822,059.60

46,710,531.64

239,937,476.24

1,196,988,310.39

5,805,446,504.13

91

49,462.38

294,589.62

1,695,337.67

9,439,603.77

50,914,479.49

266,330,598.63

1,352,596,790.74

6,676,263,479.74

92

49,957.00

303,427.31

1,780,104.55

10,100,376.03

55,496,782.65

295,626,964.48

1,528,434,373.54

7,677,703,001.71

93

50,456.57

312,530.13

1,869,109.78

10,807,402.36

60,491,493.09

328,145,930.57

1,727,130,842.10

8,829,358,451.96

94

50,961.14

321,906.03

1,962,565.27

11,563,920.52

65,935,727.46

364,241,982.94

1,951,657,851.57

10,153,762,219.76

95

51,470.75

331,563.22

2,060,693.53

12,373,394.96

71,869,942.93

404,308,601.06

2,205,373,372.27

11,676,826,552.72

96

51,985.46

341,510.11

2,163,728.21

13,239,532.60

78,338,237.80

448,782,547.18

2,492,071,910.67

13,428,350,535.63

97

52,505.31

351,755.42

2,271,914.62

14,166,299.89

85,388,679.20

498,148,627.37

2,816,041,259.06

15,442,603,115.97

98

53,030.37

362,308.08

2,385,510.35

15,157,940.88

93,073,660.33

552,944,976.38

3,182,126,622.73

17,758,993,583.37

99

53,560.67

373,177.32

2,504,785.86

16,218,996.74

101,450,289.76

613,768,923.78

3,595,803,083.69

20,422,842,620.87

100

54,096.28

384,372.64

2,630,025.16

17,354,326.51

110,580,815.84

681,283,505.39

4,063,257,484.57

23,486,269,014.01

Investing early and limiting investment fees is a great way to save money. This chart shows how
20k can grow.